 Well, I don't even think it's giving advice. It's just a systematic way to have money. It's transactional, right? It's very transactional. And it's not taking into consideration your specific circumstances. And one of the things that Robin and I are constantly preaching is you want to have an individual plan done for your individual circumstances. And I don't think – I mean, Robin's been doing this for like 55 years, so I'm not really –